房贷利率触底3%？央行最新信号释放，明年或再降息！

Group 1 - The 1-year LPR remains at 3.0% and the 5-year LPR at 3.5%, indicating a stable interest rate environment for now, but signals suggest that a rate cut may occur as early as January next year [1] - In Suzhou, the mainstream banks are offering a first home loan interest rate of 3.0%, which is seen as the "invisible lower limit" for mortgage rates, with banks likely to maintain this level even if the LPR is reduced [2][3] - The recent Central Economic Work Conference confirmed the continuation of a moderately loose monetary policy into 2026, emphasizing the flexible use of various policy tools such as rate cuts and reserve requirement ratio adjustments [4] Group 2 - Market predictions indicate at least one interest rate cut and one reserve requirement ratio reduction in the coming year, with the potential for more if necessary, reflecting an increased monetary policy space compared to the past two years [5] - The Federal Reserve's recent rate cuts have provided greater flexibility for China's monetary policy operations, with a cumulative reduction of 175 basis points in the current cycle [6] - A new policy from the central bank allows individuals to repair their credit records for overdue payments under certain conditions, which could facilitate future home loan approvals [6]